Well, I have some documents at hand from water authourities, the local
council, and most importantly my solicitor.

The bottom line is that I, or the condition of my property cannot be
responsible for third party negligence.

All 4 have accepted this (I am the fourth).
My insurers have already accepted this. As they always have done. AND as
per contract will cover the legal costs.

I asked the million dollar question "will you continue to insure me". Yes.
Correct answer. Of course every renewal will be loaded and that is accepted
by me, but not as some alarmists predict. 3% is an estimate.
There is also a possibility of compensation once the negligent authourities
have been claimed upon. That will remain to be seen.

The rest of the houses on this street are in the same situation, lets see
how things go. Some of them dont have anything else or another place to go
to. Imagine that!

Baz

"Baz" wrote in message
...

The rest of the houses on this street are in the same situation, lets see
how things go. Some of them dont have anything else or another place to go
to. Imagine that!

The council will house them, Baz, one way or another, albeit a caravan, B&B
or other temp acommodation.

--
--

http://www.shop.helpforheroes.org.uk/

Martin wrote in
:


Camp beds in a church hall?

Very funny. I bet you would be the first one to evacuate your bowels if the
roles were reversed.

Baz

"Martin" wrote in message
...
On Wed, 11 Jul 2012 14:21:13 +0100, "Ophelia"
wrote:



"Baz" wrote in message
. ..

The rest of the houses on this street are in the same situation, lets
see
how things go. Some of them dont have anything else or another place to
go
to. Imagine that!

The council will house them, Baz, one way or another, albeit a caravan,
B&B
or other temp acommodation.

Camp beds in a church hall?

People who are flooded out are likely be out of their homes for many
months I don't reckon that would cut it, do you?
--
--

http://www.shop.helpforheroes.org.uk/

"Martin" wrote in message
...
On Thu, 12 Jul 2012 13:12:32 +0100, "Ophelia"
wrote:



"Martin" wrote in message
. ..
On Wed, 11 Jul 2012 14:21:13 +0100, "Ophelia"
wrote:



"Baz" wrote in message
6...

The rest of the houses on this street are in the same situation, lets
see
how things go. Some of them dont have anything else or another place
to
go
to. Imagine that!

The council will house them, Baz, one way or another, albeit a caravan,
B&B
or other temp acommodation.

Camp beds in a church hall?

People who are flooded out are likely be out of their homes for many
months I don't reckon that would cut it, do you?

It happens.

Possibly, but only for a few days until longer term arrangements can be
made.
--
--

http://www.shop.helpforheroes.org.uk/

On Thu, 12 Jul 2012 16:57:56 +0100, Ophelia wrote:

The council will house them, Baz, one way or another, albeit a
caravan, B&B or other temp acommodation.

Camp beds in a church hall?

People who are flooded out are likely be out of their homes for many
months I don't reckon that would cut it, do you?

It happens.

Possibly, but only for a few days until longer term arrangements can be
made.

They are still living in tents in Hati...

I guess most people given the choice between under a hedge or communal
church hall would go for the latter.

--
Cheers
Dave.

In article o.uk,
says...

On Thu, 12 Jul 2012 16:57:56 +0100, Ophelia wrote:

The council will house them, Baz, one way or another, albeit a
caravan, B&B or other temp acommodation.

Camp beds in a church hall?

People who are flooded out are likely be out of their homes for many
months I don't reckon that would cut it, do you?

It happens.

Possibly, but only for a few days until longer term arrangements can be
made.

They are still living in tents in Hati...

UK council housing services don't cover Haiti.

Janet

On Jul 11, 12:59*pm, Baz wrote:
Well, I have some documents at hand from water authourities, the local
council, and most importantly my solicitor.

The bottom line is that I, or the condition of my property cannot be
responsible for third party negligence.

All 4 have accepted this (I am the fourth).
My insurers have already accepted this. As they always have done. AND as
per contract will cover the legal costs.

I asked the million dollar question "will you continue to insure me". Yes..
Correct answer. Of course every renewal will be loaded and that is accepted
by me, but not as some alarmists predict. 3% is an estimate.
There is also a possibility of compensation once the negligent authourities
have been claimed upon. That will remain to be seen.

The rest of the houses on this street are in the same situation, lets see
how things go. Some of them dont have anything else or another place to go
to. Imagine that!

Baz

To safeguard your own interests I would suggest asking for all
involved to provide the advice you have been given in writing, and
only then hold this to be of any real value.

In article ,
says...

I asked the million dollar question "will you continue to insure me". Yes.
Correct answer.

At the moment, they have no choice; all insurance co's are obliged, by
the UK govt, to continue insuring properties that have made flood claims.

Up until 2013. The agreement ends then.

Janet

Janet wrote in
:

In article ,
says...

I asked the million dollar question "will you continue to insure me".
Yes. Correct answer.

At the moment, they have no choice; all insurance co's are obliged,
by
the UK govt, to continue insuring properties that have made flood
claims.

Up until 2013. The agreement ends then.

Janet




Wrong again!
Baz

On 11/07/2012 18:02, Baz wrote:
Janet wrote in
:

In article ,
says...

I asked the million dollar question "will you continue to insure me".
Yes. Correct answer.

At the moment, they have no choice; all insurance co's are obliged,
by
the UK govt, to continue insuring properties that have made flood
claims.

Up until 2013. The agreement ends then.

Janet

Wrong again!
Baz

No she is basically right. You are about to be stitched up in 2013 by
Defra and the insurance companies working together. On paper insurance
will still be available to all but not necessarily at a price that you
can afford if you live somewhere prone to flooding. The premiums will be
loaded to allow for the increased risks of flooding. See page 4 of the
report:

http://www.defra.gov.uk/publications...-insurance.pdf

The LSE assessment of the state of the "Gentlemens' Agreement" on flood
insurance in the UK is even more scathing in its assessment. The
government has actually been cutting its spending on flood defences.

Those of us not in serious flood zones will benefit from the removal of
the insurance cross subsidy to seriously at risk homes. People living in
flood prone areas will have to pay a lot more to stay insured.

--
Regards,
Martin Brown

Martin Brown wrote in
:


The LSE assessment of the state of the "Gentlemens' Agreement" on
flood insurance in the UK is even more scathing in its assessment. The
government has actually been cutting its spending on flood defences.

Those of us not in serious flood zones will benefit from the removal
of the insurance cross subsidy to seriously at risk homes. People
living in flood prone areas will have to pay a lot more to stay
insured.


Well, not so in my case. I will never get "stitched up" . Erm, unless I
have had surgery, then I will insist upon it.
How many times does one person have to say I DO NOT LIVE IN A FLOOD ZONE.
It is the blah blah....who are responsible....blah blah blah.
Bloody hell, the London School of Economics........"Gentlemens' Agreement",
nothing will surprise me.
I am happy with what has gone on today, and if my solicitor is wrong then
we will just have to go along with it and then chase him up too. We will
not lose any sleep until the writing is on the wall. So many scares in the
past when we DID lose sleep about the mortgage, our jobs, schooling, our
medical care etc. etc. etc.
Oh! and by the way thanks for the advice. I mean it and I will first thing
tomorrow clarify this, if I can.

Baz

On Jul 11, 7:34*pm, Baz wrote:
Martin Brown wrote :



The LSE assessment of the state of the "Gentlemens' Agreement" on
flood insurance in the UK is even more scathing in its assessment. The
government has actually been cutting its spending on flood defences.

Those of us not in serious flood zones will benefit from the removal
of the insurance cross subsidy to seriously at risk homes. People
living in flood prone areas will have to pay a lot more to stay
insured.

Well, not so in my case. I will never get "stitched up" . Erm, unless I
have had surgery, then I will insist upon it.
How many times does one person have to say I DO NOT LIVE IN A FLOOD ZONE.
It is the blah blah....who are responsible....blah * blah *blah.
Bloody hell, the London School of Economics........"Gentlemens' Agreement",
nothing will surprise me.
I am happy with what has gone on today, and if my solicitor is wrong then
we will just have to go along with it and then chase him up too. We will
not lose any sleep until the writing is on the wall. So many scares in the
past when we DID lose sleep about the mortgage, our jobs, schooling, our
medical care etc. etc. etc.
Oh! and by the way thanks for the advice. I mean it and I will first thing
tomorrow clarify this, if I can.

Baz

If you have all you have been told denoted in writing with indications
of the statutes covering this, then you can probably feel relatively
assured. If you have nothing in writing, then what you have been told
is pretty much worthless, and it was a waste of time seeking legal
advice in the first place.

On 11/07/2012 19:34, Baz wrote:
Martin Brown wrote in
:


The LSE assessment of the state of the "Gentlemens' Agreement" on
flood insurance in the UK is even more scathing in its assessment. The
government has actually been cutting its spending on flood defences.

Those of us not in serious flood zones will benefit from the removal
of the insurance cross subsidy to seriously at risk homes. People
living in flood prone areas will have to pay a lot more to stay
insured.


Well, not so in my case. I will never get "stitched up" . Erm, unless I
have had surgery, then I will insist upon it.
How many times does one person have to say I DO NOT LIVE IN A FLOOD ZONE.

Perhaps not according to the official maps today, but they will be
updated to reflect newer observations like flooded twice this year.

It is the blah blah....who are responsible....blah blah blah.

Good luck proving that. It is notoriously difficult to prove negligence.
I expect the water board will point to the unusually wet summer, all the
cancelled national events and claim "Act of God".

They may also point to most of your neighbours contributory negligence
paving the entire of their front garden to park cars on leading to much
more rapid ingress of water into their drains and causing the flash
flooding. I am assuming here as a gardener that you have not paved your
front garden over in its entirety.

If you want to see how David v Goliath typically goes in the courts look
no further than the recent surface to air missiles in London.

Bloody hell, the London School of Economics........"Gentlemens' Agreement",
nothing will surprise me.
I am happy with what has gone on today, and if my solicitor is wrong then
we will just have to go along with it and then chase him up too. We will

Good luck finding a solicitor to sue another one. Been there done that.

not lose any sleep until the writing is on the wall. So many scares in the
past when we DID lose sleep about the mortgage, our jobs, schooling, our
medical care etc. etc. etc.
Oh! and by the way thanks for the advice. I mean it and I will first thing
tomorrow clarify this, if I can.

One thing that the odious Steerpike has got right is you must get
everything in writing and keep contemporaneous notes of who said what
and when with date and time of every phone call and who you spoke to.

That way you will at least stand some chance of success in future.

--
Regards,
Martin Brown

On Jul 11, 7:34*pm, Baz wrote:
Martin Brown wrote :



The LSE assessment of the state of the "Gentlemens' Agreement" on
flood insurance in the UK is even more scathing in its assessment. The
government has actually been cutting its spending on flood defences.

Those of us not in serious flood zones will benefit from the removal
of the insurance cross subsidy to seriously at risk homes. People
living in flood prone areas will have to pay a lot more to stay
insured.

Well, not so in my case. I will never get "stitched up" . Erm, unless I
have had surgery, then I will insist upon it.
How many times does one person have to say I DO NOT LIVE IN A FLOOD ZONE.
It is the blah blah....who are responsible....blah * blah *blah.
Bloody hell, the London School of Economics........"Gentlemens' Agreement",
nothing will surprise me.
I am happy with what has gone on today, and if my solicitor is wrong then
we will just have to go along with it and then chase him up too. We will
not lose any sleep until the writing is on the wall. So many scares in the
past when we DID lose sleep about the mortgage, our jobs, schooling, our
medical care etc. etc. etc.
Oh! and by the way thanks for the advice. I mean it and I will first thing
tomorrow clarify this, if I can.

Baz

Doesn't have to be a flood zone. They work on past history and your's
is now bad.

Unless serious engineering changes are made to the drainage sytem, you
will be in the shit. ie No/expensive insurence.

Sorry and all that but you can't bury your head in the sand.